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Best Retirement Investments - Top 4 Business And Investing Opportunities For Employees

Smart Ways To Create Steady Cash Flow Outside of Your Salary

The best retirement investments are investments that have the potential to generate long-term steady cash flow for investors.

Why is that so?

This is because the goal of every smart and proactive employee is to create multiple sources of income outside of his paid employment so that he or she would not be at the mercy of his employers.

Pause for a moment and think about this.

Ask yourself, "why do you go to work even on days you don't feel like going?"

Simple. You want to maintain a good reputation with your employer so you don't give him reasons to fire you.

Yes, what drives you to work every day is your desire to keep your job and your salary.

Guess what.

That salary you're protecting with all you've got will eventually stop coming when you're retired.

Consequently, the best retirement investments you should devote your earnings to should be investments that can generate the cash flow that will eventually replace your salary . . . and way before you reach the mandatory retirement age.


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Investment For Retirement - Our Top 4 Recommendations

Now the big question is, "what investment options are out there that can generate the cash flow that can replace the salary from your day job?"

What investment opportunities have the potential to grant you financial independence even after retirement?

Our top four recommendations include the following:

Investment opportunity #1: Mutual Funds

Investopedia.com defines mutual funds as "an investment vehicle made up of a pool of moneys collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and other assets".

This means that . . .

1. This fund is managed by a third party . . . a group of professionals referred to as money managers. And these professionals decide what exactly to invest in at any given time.

What you should care about is the return on investment (or ROI) of the mutual fund you choose to invest in. That is, the percentage of your investment capital that the mutual fund pays to you as earnings on your investment.

For example, some mutual funds pay as high as 10 to 15 percent on the amount invested.

While the exact percentage return on the mutual fund investment may vary over time, the return on the amount invested is usually way higher than what you would earn if you had chosen to leave the money in your savings account with a commercial bank.

Bottom line.

You could earn as much as twice the interest rate a commercial bank is willing to pay on your savings deposit when you opt to invest in a mutual fund . . . and without lifting a finger.

This is a perfect example of letting your money work for you.

Yes, investing in a mutual fund is one of the best retirement investments for individual employees who are afraid of taking risks.

Investment opportunity #2: Real Estate Investment

Real estate investment needs no introduction because it is one of the oldest industries in the world . . . an industry that has created more millionaires worldwide than any other single industry.

However, we recommend that when you decide to invest in real estate, ensure that the bulk of your investment is on rental property investment that can generate passive cash flow for you long-term. That is, while you're still in paid employment and well into your retirement years.

In fact, real estate investing is still one of the best retirement investments in the world today because of its inherent capacity to grow in value over time.

Investment opportunity #3: Stock Investment

Stock investment as an individual investor has the potential to yield a higher rate of return on your investment . . . much higher than putting your money in mutual funds.

However, stock investing is risky if you're not an expert investor.

Therefore, we recommend that you learn at the feet of successful stock investors before venturing into investing your hard earned money in the stock market.

This will help you minimise potential losses and invest in the best stock investments.

Investment opportunity #4: Small Business Investment

Small business investing has the potential to take you from being a struggling employee with minimum wage to a multi-millionaire (or even a billionaire) within 10 to 15years of starting your small to medium business.

Unfortunately, while starting a business of your own has the potential for high profitability, it also has the highest potential for failure.

This means that you can actually lose 100 percent of your investment capital in a business venture.

That is a huge risk!

Best Retirement Investments - The Bigger The Risk, The Bigger The Returns.

From the above discussion it is obvious that the greater the risk, the greater the potential for bigger profit.

Here's a piece of advice for you.

Do not base your retirement investment decisions solely on the size of the profit to be made. If you do that, you will easily fall prey to some sleazy marketers of get-rich-quick scams. And you could lose all your hard earned money.

So, what should you do?

Take calculated risks.

If a business proposal sounds too good to be true, it usually is a scam or a pyramid scheme . . . both of which results in a defective retirement planning strategy.

This premium retirement planning guide recommends that you have a diversified retirement investment portfolio.

Invest in mutual funds, real estate, individual stocks and also establish a corporation of your own.

Believe me, investing in starting a corporation (or limited liability company) of your own is the sure path to guaranteed retirement income and bigger monthly cash flow.

It is one of the best retirement investments you could ever make, if you do it right.

Most important, invest in your financial education because without the right financial education, all of your investments will yield far less than their potential.

Click HERE to take our entrepreneur course to upgrade your financial intelligence.



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